NPS Retirement Corpus Summary
| Monthly NPS Contribution | ₹5,000 |
| Expected Annual Returns | 10% p.a. |
| Start Age | 30 |
| Retirement Age | 60 |
| Investment Period | 30 years (360 months) |
| Total Amount Invested | ₹18,00,000 |
| Wealth Gained | ₹95,96,627 |
| Total NPS Corpus | ₹1,13,96,627 |
| Lump Sum (60% — Tax-Free) | ₹68,37,976 |
| Annuity Fund (40% — Mandatory) | ₹45,58,651 |
Monthly Pension Estimate: The ₹45,58,651 annuity fund at 6% annuity rate gives approximately ₹22,793/month pension for life.
Impact of Starting Age on NPS Corpus
Starting just 5 years earlier makes a dramatic difference:
| Start Age | Years of Contribution | Total Invested | Corpus at 60 | Lump Sum at 60 |
|---|---|---|---|---|
| Start at 25 | 35 years | ₹21,00,000 | ₹1,91,41,384 | ₹1,14,84,830 |
| Start at 30 | 30 years | ₹18,00,000 | ₹1,13,96,627 | ₹68,37,976 |
| Start at 35 | 25 years | ₹15,00,000 | ₹66,89,452 | ₹40,13,671 |
| Start at 40 | 20 years | ₹12,00,000 | ₹38,28,485 | ₹22,97,091 |
| Start at 45 | 15 years | ₹9,00,000 | ₹20,89,621 | ₹12,53,773 |
NPS Growth Milestones
| Age | Years Contributed | Total Invested | NPS Value |
|---|---|---|---|
| Age 35 | 5 years | ₹3,00,000 | ₹3,90,412 |
| Age 40 | 10 years | ₹6,00,000 | ₹10,32,760 |
| Age 45 | 15 years | ₹9,00,000 | ₹20,89,621 |
| Age 50 | 20 years | ₹12,00,000 | ₹38,28,485 |
| Age 55 | 25 years | ₹15,00,000 | ₹66,89,452 |
| Age 60 | 30 years | ₹18,00,000 | ₹1,13,96,627 |
Plan Your NPS Retirement
Adjust monthly contribution, start age, and expected returns to see your personalised retirement corpus.
Use NPS CalculatorFrequently Asked Questions
How much NPS corpus will I build with ₹5,000/month from age 30?
Contributing ₹5,000/month from age 30 to 60 (30 years) at 10% returns builds a corpus of ₹1,13,96,627. You can withdraw ₹68,37,976 as a tax-free lump sum and use ₹45,58,651 to buy an annuity for monthly pension.
How much monthly pension will I get from NPS?
The ₹45,58,651 annuity fund (40% of corpus) typically generates ₹22,793–₹26,592/month at current annuity rates of 6–7% p.a. This is taxable income after retirement.
What is the tax benefit of NPS in India?
NPS offers three layers of tax deduction: (1) ₹1.5L under Section 80C as part of the combined limit, (2) Additional ₹50,000 under Section 80CCD(1B) — exclusively for NPS, over and above 80C, (3) Up to 10% of basic salary contributed by employer under 80CCD(2) is fully deductible.
What happens if I exit NPS before retirement?
If you exit NPS before age 60, you must use 80% of the corpus to buy an annuity (only 20% as lump sum). After age 60, the ratio flips: 60% lump sum (tax-free), 40% mandatory annuity. Partial premature withdrawals (up to 25% of own contributions) are allowed after 3 years for specific purposes.
Should I increase NPS contribution as salary grows?
Yes. Even a 10% annual increase in your ₹5,000 contribution (step-up) could grow your corpus to ₹1,70,94,940+ — a 50% boost. The power of compounding amplifies every additional rupee you invest in your early working years.